{\footnotesize \begin{tabular}{l c c c c c c c} \hline \toprule         & \multicolumn{3}{c}{\textbf{1-4 Quarters After Filing}}         & & \multicolumn{3}{c}{\textbf{5-8 Quarters After Filing}} \\
\cmidrule{2-4} \cmidrule{6-8}
& {\scriptsize $ \mathbb{E}[Y \vert E=0]$} & IV & DiD         & & {\scriptsize $ \mathbb{E}[Y \vert E=0]$} & IV & DiD \\
& (1) & (2) & (3) & & (4) & (5) & (6) \\
\cline{2-4} \cline{6-8}
& & & & & & & \\
\textbf{Financial health index:}         & -0.054                       & -0.107*              & -0.031***                                                         & & 0.008             & -0.141              & -0.037*** \\
& (0.737)             & (0.060)              & (0.004)                                                         & & (0.747)           & (0.094)              & (0.005) \\
& & \multicolumn{1}{r}{[269,814]} & \multicolumn{1}{r}{[3,790,079]} &                                                         & & \multicolumn{1}{r}{[271,230]} & \multicolumn{1}{r}{[3,790,079]} \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & -0.075                       & -0.202**              & -0.034***                                                         & & -0.027             & -0.230              & -0.035*** \\
& (0.990)             & (0.102)              & (0.007)                                                         & & (1.002)           & (0.174)              & (0.007) \\
~~~New York                      & -0.032                       & -0.012              & -0.029***                                                         & & 0.043             & -0.053              & -0.040*** \\
& (1.091)             & (0.063)              & (0.005)                                                         & & (1.108)           & (0.072)              & (0.007) \\
\midrule
& & & & & & & \\
\textbf{Credit score:}   & 547.59                       & -7.86              & -1.18***                                                         & & 551.84             & -16.53**              & -1.36*** \\
& (67.11)             & (5.18)              & (0.38)                                                         & & (68.61)           & (6.67)              & (0.49) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 531.94                       & -8.69              & -2.22***                                                         & & 536.62             & -24.16**              & -1.73*** \\
& (74.04)             & (8.29)              & (0.48)                                                         & & (74.56)           & (11.15)              & (0.51) \\
~~~New York                      & 563.24                       & -7.03              & -0.14                                                         & & 567.06             & -8.90              & -1.00 \\
& (111.94)             & (6.21)              & (0.60)                                                         & & (115.19)           & (7.33)              & (0.84) \\
\midrule
& & & & & & & \\
\textbf{No open revolving account:}      & 0.481                       & -0.039              & 0.015***                                                         & & 0.468             & 0.052              & 0.023*** \\
& (0.334)             & (0.025)              & (0.002)                                                         & & (0.331)           & (0.051)              & (0.003) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.587                       & -0.072*              & 0.008**                                                         & & 0.589             & 0.080              & 0.016*** \\
& (0.491)             & (0.043)              & (0.003)                                                         & & (0.491)           & (0.099)              & (0.004) \\
~~~New York                      & 0.375                       & -0.006              & 0.021***                                                         & & 0.347             & 0.024              & 0.031*** \\
& (0.452)             & (0.025)              & (0.002)                                                         & & (0.445)           & (0.027)              & (0.004) \\
\midrule
& & & & & & & \\
\textbf{Total balance: collections and delinquencies:}   & 2,550                       & 310              & 98***                                                         & & 2,378             & 548              & 38 \\
& (4,099)             & (393)              & (34)                                                         & & (3,936)           & (502)              & (40) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 2,759                       & 735              & 70                                                         & & 2,516             & 739              & -30 \\
& (5,504)             & (659)              & (49)                                                         & & (5,291)           & (930)              & (49) \\
~~~New York                      & 2,342                       & -115              & 127***                                                         & & 2,240             & 357              & 105* \\
& (6,075)             & (428)              & (46)                                                         & & (5,829)           & (377)              & (63) \\
\midrule
& & & & & & & \\
\textbf{Any auto loan or lease:}         & 0.170                       & -0.061**              & -0.007***                                                         & & 0.176             & 0.031              & -0.009*** \\
& (0.264)             & (0.030)              & (0.002)                                                         & & (0.269)           & (0.036)              & (0.002) \\
\textit{By Location}     & & & & & & & \\
~~~Cook County           & 0.197                       & -0.130**              & -0.012***                                                         & & 0.198             & 0.037              & -0.016*** \\
& (0.396)             & (0.054)              & (0.003)                                                         & & (0.397)           & (0.066)              & (0.003) \\
~~~New York                      & 0.142                       & 0.008              & -0.001                                                         & & 0.155             & 0.025              & -0.003 \\
& (0.349)             & (0.027)              & (0.001)                                                         & & (0.362)           & (0.026)              & (0.003) \\
\bottomrule \\
\end{tabular} }
